Which Yorsipp accounts accept US citizens
Last checkedYorsipp has been checked for US citizens across 2 account types. Both are open to a US person (both with strings).
If you already have an account with Yorsipp, a second one there is usually the easier application, because Yorsipp has already checked who you are. Each account below carries its verdict, the evidence behind it and the date it was last updated.
At a glance
| Account type | Verdict | Accounts | Updated |
|---|---|---|---|
| SIPPs | Accepts with conditions | 1 | |
| Junior SIPPs | Accepts with conditions | 2 |
US persons: nothing published about US citizens, and applications only through an adviser
Yorsipp says nothing about US citizens anywhere it publishes, so read this as unanswered rather than as a yes. Its route in is closed to you directly in any case: it does not accept applications from customers, only from an FCA regulated adviser.
FSCS £85,000 investment cover · adviser introduced only
| Account | Terms | The catch |
|---|---|---|
| Full SIPP (opens in a new tab) |
|
Applications only through an FCA regulated UK adviser. |
Source: Yorsipp target market statement, February 2025, read 2026-08-17 (opens in a new tab) Yorsipp's own page (opens in a new tab)
Junior SIPPs
Compare with other providersUS persons: nothing published about US persons either way, so ask before applying
Yorsipp's terms and conditions put a member's authority in a parent or legal guardian's hands until the member turns 18, and its application form has a declaration for a child under 16 signed by a parent or guardian, so a Yorsipp SIPP can be opened for a child. It publishes nothing about US citizens, and a non-advised applicant is accepted for an extra annual fee rather than turned away.
| Account | Terms | The catch |
|---|---|---|
| Singular SIPP (opens in a new tab) |
|
— |
| Full SIPP (opens in a new tab) |
|
— |
Source: Yorsipp Terms and Conditions (February 2025), SIPP application form and Singular/Full SIPP fee schedules, 2026-09-11 (opens in a new tab) Yorsipp's own page (opens in a new tab)
Account names link to the provider's own site. No link on this page is paid. How Momo makes money. Every institution, A to Z.
Why this is the rule
SIPP US tax
The US Treasury reads the treaty as leaving UK SIPP growth untaxed until drawn; the treaty's wording is narrower. Contributions, growth and drawdown explained.
TaxUS-UK tax treaty
The US-UK treaty stops most double taxation, but the saving clause lets the US tax its citizens almost as if it were not there. What survives the clause.
TaxForm 3520
A UK pension held in trust can be a foreign trust to the IRS. Rev. Proc. 2020-17 exempts qualifying retirement trusts from Forms 3520 and 3520-A, on conditions.
TaxSaving for a child
How the US taxes a Junior ISA, a junior pension and a Child Trust Fund held by a US citizen child in the UK, and how a 529 plan compares.